Applications / Mortgage Analytics / Lenders / Oklahoma / F&M Bank
Edmond, OK · State non-member bank · FDIC · $810 million assets · 309 loans in 2025
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309
loans originated, 2025
373
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F&M Bank, an Oklahoma lender, makes government-backed loans that similar banks mostly avoid, but its loan count fell 16% in 2025, to 309.
FHA loans (insured by the Federal Housing Administration) were 13.9% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 6.5%. Similar lenders, state non-member banks making between half and twice as many loans, typically made none of either. Home purchases were 61.2% of its loans.
In Oklahoma City, OK, where it has lent since at least 1990, it ranked 31 of 534 lenders. Its share fell 0.2 points to 0.8%; First United Bank and Trust Company led. Its loans fell 16% while similar lenders made 9% more, which could account for the change.
It made 1,074 loans in 2020 and 536 in 2022. Even so, its 309 loans in 2025 were more than about two-thirds of similar lenders made.
Majority-minority neighborhoods took 13.3% of its loans, against 6.3% at peers. Borrowers with low and moderate incomes took 21.9%, against 28.4%; its larger typical loan, $215,000 against $175,000, may be one reason. It turned down 2.9% of purchase applications, against 5.1% at its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. F&M Bank took 373 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 33.7% · Home improvement 2.6% · Other 2.6%
Conventional 78.6% · FHA 13.9% · VA 6.5% · USDA (RHS or FSA) 1.0% · of 309 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 299 | 96.8% |
| Texas | 6 | 1.9% |
| Kansas | 2 | 0.6% |
| Florida | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 237 |
| Tulsa | 5 |
| Houston-Pasadena-The Woodlands | 2 |
| Lawton | 2 |
| Amarillo | 1 |
| Clarksville | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Kansas City | 1 |
| Manhattan | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X2FI65C4A30O27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 163857 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312761 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 2163857 | 1998–2004 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: F&M Bank's data.
F&M Bank's data
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F&M Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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